2016 Ford F-150 Car Insurance Quotes – 8 Tips to Save

Want lower auto insurance rates for your Ford F-150? Confused by the dozens of auto insurance sources in your area? drivers have such a vast assortment of sources available that it can be a real difficult job to find the lowest price.

Which insurance is cheapest?

Most of the larger companies like State Farm and Allstate give prices on their websites. This process doesn’t take much effort as you just type in into a form. After you complete the form, their quoting system gets your driving and credit reports and generates pricing information based on the information you submitted.

Online price estimates helps simplify price comparisons, but the time it takes to visit each company’s website and repetitively type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to do this if you are searching for the lowest possible prices on insurance.

There is an easier way to compare rates

The preferred way to compare insurance pricing uses one form that analyzes rates from more than one company. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons much more enjoyable and efficient. After sending the form, it is rated with multiple companies and you can pick your choice of the returned quotes. If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process can be completed in less than 10 minutes and may result in a nice savings.

In order to find out what other companies charge, simply click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you complete the form with coverages and limits as close as possible to your current policy. Doing this assures you will have rate quotes for similar coverage.

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Take advantage of every insurance coverage discount

Some insurers don’t always publicize all disounts very clearly, so we took the time to find some of the more common as well as the least known insurance coverage savings.

• Early Switch Discount – A few larger companies offer discounts for switching companies before your current expiration date. The savings is around 10%.
• Discount for Life Insurance – Larger insurance coverage companies have lower premium rates if you buy auto and life insurance together.
• Save over 55 – Seniors may be able to get a small decrease in premiums for F-150 coverage.
• Own a Home – Being a homeowner can save a few bucks because maintaining a house is proof of financial responsibility.
• Defensive Driver – Passing a course that instructs on driving safety could cut 5% off your bill if your company offers it.
• Anti-lock Brakes – Cars with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
• Paperless Signup – A few larger online companies will give a small break for signing up on their website.
• Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Ford F-150 insurance than their less cautious counterparts.

Discounts lower rates, but most discount credits are not given the the whole policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you could get a free insurance coverage policy, you aren’t that lucky. But all discounts will reduce the amount you have to pay.

Auto insurance companies that possibly offer these benefits may include but are not limited to:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

Double check with each insurance company which discounts you qualify for. Some of the earlier mentioned discounts may not be available in your area. If you would like to choose from a list of insurers with discount rates, click here to view.

How to know if you need help

When it comes to buying adequate coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining whether you might need an agent’s assistance.

• Do I have coverage if my license is suspended?
• Does liability extend to a camper or trailer?
• What discounts do I qualify for?
• Why am I required to buy high-risk coverage?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• How many claims can I have before being cancelled?
• When does my teenage driver need to be added to my policy?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Insurance myths debunked

Well-known insurance companies like State Farm and Allstate endlessly run ads in print and on television. All the ads make an identical promise that you can save just by moving your coverage to them. How do they all say the same thing? It’s all in the words they use.

Insurance companies provide the lowest rates for a prospective insured that earns them a profit. One example of a profitable customer may be married and over the age of 30, has no tickets, and drives a car with an anti-theft system. Anybody who fits those characteristics is entitled to the best price as well as save a lot if they switch.

Drivers who don’t meet these stringent criteria must pay higher rates which results in the customer buying from a different company. The trick companies use is to say “people that switch” not “everyone who quotes” save that much when switching. That’s why insurance companies can confidently advertise the way they do. This emphasizes why you should compare as many free car insurance quotes as you can. Because you never know with any certainty which company will have the best car insurance rates at this point in time.

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Auto insurance coverage specifics

Learning about specific coverages of your auto insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Coverage for collisions

This covers damage to your F-150 from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, damage from flooding, fire damage, vandalism and hitting a deer. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses for dental work, rehabilitation expenses, doctor visits, ambulance fees and nursing services. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2016 Ford F-150.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverages

This provides protection from damages or injuries you inflict on a person or their property. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like funeral expenses, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Be a penny pincher

Consumers who switch companies do it for many reasons like high rates after DUI convictions, denial of a claim, delays in responding to claim requests or even being labeled a high risk driver. It doesn’t matter why you want to switch finding a new insurance coverage company can be easy and end up saving you some money.

You just learned a lot of ways to compare 2016 Ford F-150 insurance car insurance rates online. It’s most important to understand that the more companies you get premium rates for, the better your chances of lowering your premium rates. Consumers may even find the best car insurance rates are with a small local company.

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. Too many times, an accident victim reduced full coverage only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find for the lowest cost, but don’t skip important coverages to save money.

Additional insurance coverage information can be read at the links below

• What is Full Coverage? (Allstate)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)

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